Homeowners Insurance Declaration Page Basics

Every year, a homeowners insurance declaration page arrives in the mail. Though it's set up in a simple format, it's good to know how to read a home insurance declaration page so you can check it for accuracy.

What is a Homeowners Declaration Page?

Your homeowners declaration page gives an overview of the most important parts of your homeowners insurance.

It explains who owns the policy and the specific piece of property that is covered.

The declaration page shows the annual policy premium, or amount you pay, and the length of coverage.

It lists the deductible and any endorsements (i.e., special additions) to the policy.